| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THE HOLMES ORG. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | DELTA DENTAL OF OKLAHOMA | $24K | $0 | $24K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE, SUITE 3550 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 4.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | PRIMARY VISION CARE SERVICES | $8K | $0 | $8K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 YALE AVENUE, SUITE 1900 TULSA, OK 74136 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 41.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $986 | $0 | $986 | 7.44% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $133 | $0 | $133 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METARIE, LA 70002 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 40.82% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $442 | $0 | $442 | 7.41% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $60 | $0 | $60 | 1.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 532 | $296K |
| Vision | PRIMARY VISION CARE SERVICES | 549 | $82K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 621 | $284K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 621 | $284K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 621 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.